The financial service industry would lead you to believe that you need to have begun putting aside huge sums of money years ago n order to avoid financial destitution in old age.Not true, says Warner. Although a sensible savings plan is advisable, there are a number of other things you can do in mid-life to ensure a fulfilling retirement. Get a Life shows how to beat the anxiety surrounding retirement and how to: -- work on the things that really matter -- good health, interests and activities, close relationships with family and friends -- realistically calculate how much money you will need and how to secure it.The fully updated second edition incorporates the most recent state planning laws, and it gives even more advice about everyday choices that can make all the difference down the road. New chapters address early retirement and give pointers to couples who reach retirement at different times.Interviews with successful, retired people show how to put Warner's advice into action.
Retire happy and healthy without keeping a million bucks in the bank! The financial-service industry wants you to believe that in order to avoid financial destitution, you need to put aside huge amounts of money that you -- let's say it together -- "should have begun saving years ago." Not true, states Ralph Warner, Nolo co-founder and the author of Get a Life . Although a sensible savings plan makes good horse sense, many other actions and decisions will determine whether you enjoy your retirement years. Get a Life shows you how to beat the anxiety surrounding retirement, and to develop a plan to make your golden years the best of your life by: developing family relationships maintaining and creating friendships improving health keeping active developing a robust curiosity for the world realistically calculating how much money you need and how to secure it The 5th edition provides the latest research and studies that show physically and mentally active retirees live longer and enjoy happier lives. New in 2008: Also in this category, by coauthor Ralph Warner, Retire Happy: What you Can Do Now to Guarantee a Great Retirement.
Release on 2001-01-25 | by Marc Eisenson,Gerri Detweiler,Nancy Castleman
Six Secrets to a Rich Life
Author: Marc Eisenson,Gerri Detweiler,Nancy Castleman
Pubpsher: University of Texas Press
Category: Business & Economics
Offers strategies for simplifying one's life through the process of balancing family life, work, and personal finance and provides helpful tips on lowering credit card fees, arranging better hours at the office, and more. 50,000 first printing. $75,000 ad/promo. Tour.
This book consists of citations covering a wide spectrum of the job hunting, employment and professional fields. The decisions leading to the job interview including educational choices and the events which occur during one's employment will form a large part of an individual's life's experiences. Most individuals will work at several different jobs during a lifetime of work.
If Americans think the money theyve been able to salvage from the retirement savings meltdown caused by the recent financial crisis is theres to keep, theyd better think again! Economic Secrets of the New Retirement Environment exposes how our broken financial system will affect everyones retirement, whether you are already in retirement, nearing retirement or more than a decade or two away. Once the secrets have been revealed, you will be shown the best ways to build, protect and fully enjoy your wealth as well as how to pass your hard-earned assets to your heirs with minimum erosion and taxation.
Increase the odds you won't run out of money in retirement– using debt! Conventional wisdom is wrong – being debt free inretirement may actually increase your risk. The Value ofDebt in Retirement teaches you how incorporating debt into yourretirement strategy may increase your return, lower your taxes andactually lower your risk. You read that right. If handledcorrectly, debt—that thing we've all been taught toavoid—can play an integral role in your life,especially in retirement. New York Times Best Selling Authorand nationally acclaimed financial expert Tom Anderson shows youhow to use the time tested strategies of the best companies and theultra rich to retire comfortably, minimize taxes, buy the thingsyou have always wanted to have and do the things you have alwayswanted to do. Thought provoking and against the grain, Anderson explains whyyour risk tolerance doesn't matter, why being debt free mayactually increase your risk and why rushing to pay off yourmortgage may be a financial disaster. Full of shocking revelationsand tricks high- net-worth individuals have used for years, TheValue of Debt in Retirement opens the world to a new approach towealth management in retirement, one that factors in both sides ofthe balance sheet as an integrated ecosystem. Real-world case studies illustrate how informed debt strategiescan lead to a happier, healthier retirement. See how an individualwith a net worth of more than $5 million can spend $20,000 permonth - after taxes - and pay less than $5,000 per year in taxes,how it is possible to increase your rate of return by 50%, and howa lower risk portfolio with debt could increase the chances you donot run out of money. Specifically written to Baby Boomers, practical guides andchecklists show how to use debt strategies to fund primary andsecondary properties, refinance credit card debt, and financehobbies, such as cars and boats and recreational vehicles.Additional guides show how you can help your children, help yourparents and leave a bigger legacy for your heirs and favoritecharities. Regardless of your net worth, The Value of Debt inRetirement provides tools to use to apply these concepts toyour personal situation. There is no free lunch: the book delivers a balanced perspectivefocusing on the potential risks and benefits of the strategiesdiscussed. A discussion on economic history highlights some of theshocks the economy may face and provides important warnings thatyou should factor into your retirement plan. Anderson not onlyshows that your life expectancy may be longer than you think, butalso illustrates that many investors may be on track to averagereturns well under 4% for the next ten years – a potentiallydevastating combination. Irrespective of your beliefs about debt,The Value of Debt in Retirement proves risk is moreimportant than return for retirees and provides suggestions on waysto minimize that risk. Not all debt is good and high levels of debt are bad. TheValue of Debt in Retirement is about choosing the right debt,in the right amounts, at the right time. Perhaps most importantly,this book isn't for everybody. This book requires responsibleactions. If you can't handle the responsibility associated with theideas then this book then it isn't for you. If you need a rate ofreturn under 3% from your investments then you may not need thisbook. But if you can handle the responsibility and if you need areturn above 3%, this book may offer insights into the best (andpotentially only) way to achieve your goals.